Get a North Dakota car insurance quote
You could save over $700 on auto insurance when you switch to Liberty Mutual1
Buying auto insurance in North Dakota
North Dakota auto insurance discounts
Buy your policy online and save. It's that simple.2
Learn more about SavingsConvenience and savings — need we say more? Combine your policies and get a discount.2
Learn about Bundle and Save Discounts and moreGet rewarded for your good driving behavior by saving up to 30% on your policy.3
Save with our safe driver programNorth Dakota minimum car insurance requirements (25/50/25)
It's illegal to drive without car insurance in North Dakota. To drive legally, you need to have at least the following coverage amounts and minimums in North Dakota.4
Coverage type | State requirements |
|---|---|
| Bodily Injury to others Coverage | $25,000 per person and $50,000 per accident |
| Property Damage Liability Coverage | $25,000 per accident |
| Personal Injury Protection (PIP) Coverage | $30,000 per person |
Learn more about state insurance requirements at the North Dakota Insurance Department.
Average car insurance cost in North Dakota, 2026
According to 2026 data, the average cost of “full” coverage car insurance in North Dakota is about $1,248 per year.
Drivers in North Dakota will often pay more, or less, depending on their coverages, car, age, driving record, and where they live.
Is North Dakota a no-fault insurance state?
Yes, North Dakota is a no-fault insurance state. In general, "no-fault" means that each person uses their own insurance to cover any injury related medical bills and costs due to an auto accident. In ND, this coverage is called Personal Injury Protection (PIP) and can be used regardless of fault. The minimum required is $30,000 per accident.
For injuries related to an auto accident, PIP can help cover
- Medical bills
- Lost wages
- Out of pocket expenses like hiring someone to perform household tasks you can't due to injuries, and more
What liability insurance is required in North Dakota?
North Dakota law requires drivers to carry liability car insurance. This coverage helps pay for injuries or property damage you cause to others in an accident. It does not cover damage to your own vehicle or personal belongings.
Drivers must carry at least the following minimum coverage:
- Bodily Injury Liability: $25,000 per person and $50,000 per accident
- Property Damage Liability: $25,000 per accident
In addition, North Dakota requires:
- Uninsured/Underinsured Motorist Bodily Injury Coverage: $25,000 per person and $50,000 per accident
- Personal Injury Protection (PIP): $30,000 per person
You may see liability limits written as 25/50/25.
Keep in mind, these are only the minimum requirements. You may want to consider higher limits or additional coverage for more financial protection.
What's considered "full coverage" car insurance in North Dakota?
"Full coverage" car insurance can mean different things to different people. Legally, in the state of North Dakota you're only required to have the state minimum coverage.
However, “full car insurance” or "full coverage" is often thought of as having the state minimums and
- Comprehensive Coverage: helps pay for damages caused by events like hail, fire, or theft
- Collision Coverage: helps cover the cost to fix damage to your car from an accident with another car
For leased or financed cars, most lenders require having Comprehensive and Collision Coverage.
Who offers cheap car insurance in North Dakota?
Finding the cheapest car insurance in North Dakota may sound great, but a low-cost policy may not pay out when you need it.
You want car insurance that's affordable, and dependable if you have an accident. Trusted for over 100 years, we have the experience and stability to back you up.
A Liberty Mutual auto insurance policy can cost less than you think.5
- $1,121 lower than GEICO
- $997 lower than Progressive
- $1,161 lower than State Farm
- $1,158 lower than Allstate
Driving Conditions in North Dakota
North Dakota's wide-open roads come with their challenges, and the right coverage can help you stay protected throughout every season. Long, cold winters bring blowing snow and black ice, especially on open stretches of I-94 and I-29 and rural highways near Bismarck, Fargo, and the Badlands, where high winds and sudden whiteouts can reduce visibility in seconds. Spring can bring flooding in the Red River Valley, summer carries the risk of hail and severe thunderstorms, and wildlife collisions with deer are common on rural roads year-round.
Because of these conditions, many North Dakota drivers choose more than the state minimum. Comprehensive Coverage can help with damage from hail, wind, or hitting an animal, while Collision Coverage can help with repairs after a slide or crash on an icy road. Adding 24-Hour Roadside Assistance can also help if you get stranded far from town in the cold. Reviewing your coverage before winter sets in can give you added peace of mind on North Dakota's roads.
North Dakota car insurance FAQs
- North Dakota drivers must be able to show proof of insurance when asked by law enforcement or after an accident. The state accepts both a paper insurance card and electronic proof, such as a digital ID card in your insurer's mobile app, so you can use whichever is most convenient.
Driving without insurance in North Dakota can result in criminal penalties, so it's a good idea to keep proof accessible in your vehicle or on your phone at all times. If you can't provide proof when requested, you could face fines, license suspension, or other penalties.
- Putting a policy together in North Dakota is quick. You’ll provide the standard details about yourself, your vehicle, and your driving history, then decide what to carry above the state’s required liability limits, Uninsured/Underinsured Motorist Coverage, and Personal Injury Protection (PIP) Coverage.
Given the weather and the long rural drives, many North Dakotans add Comprehensive and Collision to protect their own car. You can build and compare the policy online, tailor it to what you actually need, and walk away with proof of coverage to keep on hand.
- There are several ways North Dakota drivers may be able to lower their premiums. Bundling your auto and home policies is one of the easiest, and you may qualify for other ways to save like insuring multiple vehicles, going paperless, or maintaining a safe driving record. Choosing a higher deductible, asking about every discount you qualify for, and reviewing your coverage to pay only for what you need can all help. Getting a quote is a quick way to see what you might save.